Let’s be honest; Rs. 12 doesn’t sound like a lot, does it? However, in reality, it can get you more than you think. How? Read on to find out.
Many of us have grown up seeing a lot of changes in the currency we use. Those who have dabbled with numismatics at some point in their life may still have the old 5-paise coin or 1-rupee note saved up somewhere as a keepsake. Apart from the physical manifestations of money, we’ve also seen the value of money go down drastically; a Rs. 100 note was respected much more about 20 years ago.
Going by the way money works, it’s only natural for us to think about the big numbers; i.e., where our money is heading and how much we can earn, invest and enjoy. But what if you were randomly asked how much you could do with as little as Rs. 12 in today’s day and age? If your answer is “Buy a lollipop”, you’re in for a surprise. Read on.
Nope, you aren’t dreaming. The Government’s Pradhan Mantri Suraksha Bima Yojana (PMSBY) attracts an annual premium of only Rs. 12 in return for accidental coverage and disability cover. What’s more? The cover is pretty good too. Under this scheme, the risk cover is Rs. 2 lakh for accidental death and full disability. For partial disability, the risk coverage is Rs. 1 lakh.
Invest In Shares
Recently, YES Bank set its FPO to Rs. 12 per share. Though they may have minimum bid limits (check at the time of investing), the fact is your 12 bucks is worth a share in YES Bank as we speak.
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Have a Healthy Snack
No, we’re not saying you’ll be able to get a tossed salad for Rs.12. However, you can still manage to pack in some good nutrition with just Rs. 12 in your pocket. First, buy an egg for Rs. 4. Depending on your how you like your eggs, you can either boil it, scramble it or make an omelette; whatever egg-cites you! Eggs are loaded with protein, amino acids and good fat, so you’re half way through to a healthy meal there.
To complete the meal, try and find one of those shops-on-wheels that sell tea, paan, or cigarettes. Many of them have bananas, and they sell by piece (unlike typical fruit stalls that go by the kilogram). For 8 bucks, you’re likely to get 1 or 2 small bananas. As you may already know, bananas are loaded with Vitamin-C, manganese, potassium and a truckload of other goodies that are great for your body. So instead of buying that pack of instant noodles and giving in to junk, go healthy even when your budget is just 12 bucks.
Save Enough To Buy Good Speakers
Yep, if you plan to buy a Bluetooth speaker but aren’t a hurry to buy it, all you need to do is save Rs. 12 every day for the next 12 months. In a year, you’ll have Rs. 4,380. At this price range, you can choose between decent brands such as JBL and Phillips. Who knows? In a year, speakers may get even cheaper.
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Travel To The Next Area & Back (post COVID, of course)
Believe it or not, bus tickets are still really affordable. You can easily visit any area within a 3 km radius of your house/current location with Rs. 12; and yes, this includes your return ticket. Though the rates may vary depending on where you live, it is mostly possible to get to nearby areas with as little as 12 bucks!
Buy An RTI Application Form
If you ever find yourself seeking information pertaining to any Government document, all you need to do is fill the Right To Information Application Form – and it costs just Rs. 10. Go buy yourself a candy with the two rupees that you just saved!
Psst… here’s something you can do for FREE… check your Experian Credit Score